I only cut myself very early on when I was new to it. That was about 5 years ago. I have now been using a razor exclusively for years now and cannot remember when I last cut myself.
I also use it for trimming other places too, haven't cut there either.
Those rotary ones are notoriously bad, they will cause pulling. I found the foil based ones like the braun series 3 to be a lot better in that regard, closer shave too, still nothing like a razor though.
The blades on the 195s are parallel with the foil though, while the 190s are perpendicular, so I'm sure it's the same problem.
Pulling isn't really an issue unless my facial hair is extremely overdue for a shave. eg 4-5 days worth of hair.
When that happens, I just use my trimmer to take it back to near stubble, then use the above Philishave to finish things off.